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A selection of app-based financial products catering for people involved in new ways of working.聽 Some of the apps may charge for their services. Inclusion here is in no way an endorsement. Users sign up at their own risk. Some of these suggestions were passed to us by the 聽who are running a competition to recognise innovation in this area. Others were suggested to us by guests who appeared in the programme. Other apps are available and we will endeavour to keep this list updated.

UK

聽- banking app for freelancers and gig-workers that offers budgeting support, emergency credit, income protection insurance and help with tax returns.

- provides an income-smoothing bank account that tops-up earnings during quiet periods, interest-free, to ensure consistent pay cheques

聽- provides flexible on-demand insurance for freelancers

聽- provides workers with access to a % of their earned income instantly as they complete shifts to help prevent the likelihood of overdraft, credit-card debt, or having to take a payday loan

- a network of co-working spaces across Wales and England, offers self-employed people affordable invoice factoring services to chase late payments, through a partnership with Community trade union

聽- a mutual sick pay fund, where members also offer each other practical support in times of ill health. Breadfunds are looking to establish pilot groups in the UK.

聽- access to free financial education and insights, and affordable loans which you can repay straight from your salary.

International

- is a portable benefits platform for domestic workers where clients can contribute to a benefit fund for house cleaners to receive sick leave, life insurance, disability insurance, and more

聽- an income protection insurance product designed for freelancers

- partners with large employers to integrate with payroll and provide employees with instant budgeting, on-demand access to earned wages ahead of payday, and automatic savings

- helps people leverage and control their reputations using an online 鈥渞eputation passport鈥�. The goal is to increase trust and transparency to allow for access to fair financial services, credit scores, and apartment rentals

聽 鈥� provides income insurance for the self-employed

- analyses all of your financial accounts and builds a unique plan based on your income, spending habits, and goals